Additional information

In order to provide you with the best possible terms of cover and a fair premium, we may need to request further information. There are four types of information we could ask for:

1. Pastimes and/or occupation

   If you occupation or any pastimes you participate in are potentially hazardous, we may ask you to complete and return a simple questionnaire.

2. Financial information

   Sometimes we may need financial information to ensure your cover is suitable for your needs and circumstances. This information could take the form of a financial questionnaire or declaration including full details of all existing policies that you may have.

3. Medical information

   Depending on your age, the amount of cover you have requested and any medical problems you mention on your application form, we may need additional medical information from you. We may ask for:

   • General Practitioners (GP) Report

     We may contact you doctor and ask for a report detailing your medical history or specific illnesses you have suffered. You have the right to review this report before it is sent to us.

   • Nurse Screening

     We may ask a qualified nurse to visit you (either at home or at work – whichever you prefer) to carry out a short examination and undertake tests – for example urine, saliva or blood. We will provide you with full details beforehand if this applies to you.

   • Medical Examination by the Harley Street Doctors Group

     We may ask you to undergo a medical examination. If this is the case, a member of the Harley Street Doctors Group will contact you to arrange an appointment.

     The Harley Street Doctors Group has over 14 years’ experience in organising medical examinations. This means you can choose a time, date and location, which is convenient. To put your mind at rest, Harley Street Doctors Group will be happy to answer any questions you have about the medical examination. They will also let you know if you have to wear any special clothing or bring anything with you.

4. Additional Tests

   For some applications we may need to take some additional tests. These may include:

   • Smoker test

     If you tell us that you do not smoke, we may ask you to take a simple test to validate this.

   • Blood tests We may need to take a blood sample to perform one or more of the following tests: cholesterol, fasting blood sugar, liver function, full blood count.
     

   • HIV test

     This is now a routine aspect of life assurance screening. We ask that all applicants requesting a sum assured over a certain amount undergo this test, taking into account the information you provided on your application. An HIV negative test result does not affect you chances when applying for insurance in the future.

   • Resting Electrocardiogram (RECG)

     The test checks the electrical activity of your heart and can indicate the possibility of any heart disease. This test usually only takes a few minutes.

   • Exercise Electrocardiogram

     This is a more rigorous test and involves being monitored by an ECG while you exercise, for example on a treadmill. Previously, this has always required you to attend a surgery for the test to be performed. We are now sometimes able to offer this as a mobile service and the test can be performed at the same venue as the examination (e.g. your home or place of work).

If any of these additional tests apply to you, we will send you full details and information.

Confidentiality

At Legal & General we respect the importance of client confidentiality. Please be assured that all the information you provide is kept confidential and that any staff with access to your medical information are authorised by our Chief Medical Officer and must follow our written code of practice.

For further information, please see our Confidentiality section.